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Can't get car insurance

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  • 11-08-2016 10:13pm
    #1
    Kevin111
    Registered Users Posts: 36 ✭


    Hi everyone. I am 32 with I full driving license for 11 years. The last two half years I have no insurance as I had no need for a car. I am now on the middle of buying a car and went to get insurance quotes today and most of the company's would not even qoute me because my no claims bonus has expired because it over two years since I had cover. The one or two that dis qoute were outrageous price of 4000, does anyone know how I could get cheaper insurance.


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    #2
    Francie Barrett
    Registered Users Posts: 16,441 ✭✭✭✭Francie Barrett


    What are you driving?


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    #3
    colm_mcm
    Registered Users Posts: 73,429 ✭✭✭✭colm_mcm


    Can you get a named driver kike a parent on the policy. You as the main driver?

    Choice of car can be a big factor too.


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    #4
    Kevin111
    Registered Users Posts: 36 ✭Kevin111


    Francie Barrett wrote: »
    What are you driving?

    Skoda Octavia vrs diesel. But I'm 33


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    #5
    colm_mcm
    Registered Users Posts: 73,429 ✭✭✭✭colm_mcm


    It's still considered a sort of relative performance car


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    #6
    Kevin111
    Registered Users Posts: 36 ✭Kevin111


    colm_mcm wrote: »
    Can you get a named driver kike a parent on the policy. You as the main driver?

    Choice of car can be a big factor too.

    Was only one or two that would quote. But I never said anything about adding a name driver. Don't know would fahy make a difference


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    #7
    colm_mcm
    Registered Users Posts: 73,429 ✭✭✭✭colm_mcm


    It really does. My wife's insurance went down 25% by adding me on.

    Still though, I'd be looking at a different car for now.


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    #8
    Kevin111
    Registered Users Posts: 36 ✭Kevin111


    colm_mcm wrote: »
    It's still considered a sort of relative performance car

    Maybe, but I be thinking my age and that. They we're not giving quotes because I didn't have no claims bonus


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    #9
    Kevin111
    Registered Users Posts: 36 ✭Kevin111


    colm_mcm wrote: »
    It really does. My wife's insurance went down 25% by adding me on.

    Still though, I'd be looking at a different car for now.
    Ya maybe. But I think my problem is the fact I don't have a no claims bonus.


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    #10
    Jayop
    Closed Accounts Posts: 17,388 ✭✭✭✭Jayop


    I'll concur with Colm here. I added my wife to my policy and she was a learner on her first provisional at the time and my policy dropped by a decent amount. Couldn't believe it as I was expecting to have to pay more for her.


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    #11
    scwazrh
    Registered Users Posts: 2,647 ✭✭✭scwazrh


    Its those 3 little letters " v r s " that are causing the problem .Get a quote for a standard octavia and see the difference


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    #12
    colm_mcm
    Registered Users Posts: 73,429 ✭✭✭✭colm_mcm


    I reckon you'd get quotes of around €2k on something a bit tamer.


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    #13
    Kevin111
    Registered Users Posts: 36 ✭Kevin111


    scwazrh wrote: »
    Its those 3 little letters " v r s " that are causing the problem .Get a quote for a standard octavia and see the difference

    Ya I give that a shot.


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    #14
    ASOT
    Registered Users Posts: 7,733 ✭✭✭ASOT


    scwazrh wrote: »
    Its those 3 little letters " v r s " that are causing the problem .Get a quote for a standard octavia and see the difference

    It doesn't work like that you can't just get a quote for a standard octavia if it's not a standard octavia, you won't get a pay out if you have a claim.


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    #15
    Kevin111
    Registered Users Posts: 36 ✭Kevin111


    ASOT wrote: »
    It doesn't work like that you can't just get a quote for a standard octavia if it's not a standard octavia, you won't get a pay out if you have a claim.

    Ya I know. I haven't bought the car yet. I'm in the middle of the deal. But I really want the car also.


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    #16
    Captain Chaos
    Registered Users Posts: 11,174 ✭✭✭✭Captain Chaos


    ASOT wrote: »
    It doesn't work like that you can't just get a quote for a standard octavia if it's not a standard octavia, you won't get a pay out if you have a claim.

    He's saying do it as a test to compare what's really loading his quote not to front the car as a lesser version.


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    #17
    ASOT
    Registered Users Posts: 7,733 ✭✭✭ASOT


    Captain Chaos wrote: »
    He's saying do it as a test to compare what's really loading his quote not to front the car as a lesser version.

    I read that compleatly wrong my bad!


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    #18
    scwazrh
    Registered Users Posts: 2,647 ✭✭✭scwazrh


    Captain Chaos wrote: »
    He's saying do it as a test to compare what's really loading his quote not to front the car as a lesser version.

    Exactly -

    My insurance renewal showed a break down of the quote cost , it was 1600 to start with and then reduced by 80% because of my no claims bonus and then added in different fees and broker costs.So without my NCB it would have been 1600 on a 2ltr diesel


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    #19
    gercoral
    Registered Users Posts: 251 ✭✭gercoral


    try its4women.ie...and no, it's not just for women!


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    #20
    Kevin111
    Registered Users Posts: 36 ✭Kevin111


    The insurance companies have told me that the reason why it's high is because I have had not insurance in the last 2 years. There for my no claims bonus has expired.


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    #21
    RossieMan
    Registered Users Posts: 6,766 ✭✭✭RossieMan


    Try a different insurance company? You've repeated the same thing in 4 posts now.


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    #22
    Kevin111
    Registered Users Posts: 36 ✭Kevin111


    RossieMan wrote: »
    Try a different insurance company? You've repeated the same thing in 4 posts now.

    I have tried 11 of them


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    #23
    Kevin111
    Registered Users Posts: 36 ✭Kevin111


    scwazrh wrote: »
    Exactly -

    My insurance renewal showed a break down of the quote cost , it was 1600 to start with and then reduced by 80% because of my no claims bonus and then added in different fees and broker costs.So without my NCB it would have been 1600 on a 2ltr diesel
    What company was that wit. Even 1600 I would pay.


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    #24
    scwazrh
    Registered Users Posts: 2,647 ✭✭✭scwazrh


    Kevin111 wrote: »
    What company was that wit. Even 1600 I would pay.

    123.ie


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    #25
    colm_mcm
    Registered Users Posts: 73,429 ✭✭✭✭colm_mcm


    Call a few brokers. I would suggest Munster Group in Ennis for a start.


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    #26
    ASOT
    Registered Users Posts: 7,733 ✭✭✭ASOT


    scwazrh wrote: »
    123.ie

    They don't quote if you have no bonus.


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    #27
    Stheno
    Moderators, Business & Finance Moderators, Science, Health & Environment Moderators, Social & Fun Moderators, Society & Culture Moderators Posts: 51,687 Mod ✭✭✭✭Stheno


    Kevin111 wrote: »
    What company was that wit. Even 1600 I would pay.

    For a VRS or a standard 2.0 diesel?


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    #28
    Kevin111
    Registered Users Posts: 36 ✭Kevin111


    Stheno wrote: »
    For a VRS or a standard 2.0 diesel?

    Vrs


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    #29
    OldMrBrennan83
    Closed Accounts Posts: 26,658 ✭✭✭✭OldMrBrennan83


    This post has been deleted.


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    #30
    selous
    Registered Users Posts: 1,373 ✭✭✭selous


    I've an 8 year old 2.0L Subaru Legacy diesel, max ncb, no penalty points, last time my renewal was up there were 5 companies that wouldn't quote or didn't ring back, 3 said they didn't quote the Brand, price has gone up each year, cant wait for this years quote,


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    #31
    Rosser
    Registered Users Posts: 591 ✭✭✭Rosser


    Patww79 wrote: »
    This post has been deleted.

    You won't be in the same boat, you just get an 'ex company car letter' from your employer saying you had no claims and a corresponding confirmation from the fleet insurer and you'll be given year for year.


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